State overview · Q4 2025

Tennessee Credit Unions

All 127 federally-insured credit unions in Tennessee, ranked by financial health, from NCUA 5300 Call Reports.

127
Credit unions
2.7M
Members
$47.3B
Combined assets
80/100
Avg health

Health-score distribution

How Tennessee's 127 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)70 CUsGood (60–79)44 CUsFair (40–59)12 CUsWeak (<40)1 CUs

All Credit Unions in Tennessee

Credit Union Health
United Southeast Bristol 100
Ascend TULLAHOMA 99
Heritage South Community Cu Shelbyville 99
Jack Daniel Employees LYNCHBURG 99
Holley PARIS 98
Knoxville Tva Employees Knoxville 98
Upper Cumberland Crossville 98
Eastman Kingsport 97
Enrichment OAK RIDGE 97
Tennessee Valley Chattanooga 96
Copper Basin Copperhill 95
Nashville Firemen's NASHVILLE 95
Wcg Employees MARTIN 95
Etma LOUISVILLE 94
Fortera Clarksville 94
Knoxville Firefighters Knoxville 94
Ornl Oak Ridge 94
Ups Employees MEMPHIS 94
Bowater Employees Calhoun 93
City Employees KNOXVILLE 93
First South Financial Bartlett 93
Leaders Credit Union Jackson 93
Y-12 Oak Ridge 93
Healthcare Services CHATTANOOGA 92
Knox County Teachers Knoxville 92
Lakeside New Johnsonvill 92
Appalachian Community Kingsport 91
Cornerstone Financial Nashville 91
Greeneville City Employees' Greeneville 91
Knox Co. Employees KNOXVILLE 91
Sevier County Schools SEVIERVILLE 91
Clinchfield Erwin 90
Johnsonville Tva Employees CAMDEN 90
L G & W MEMPHIS 90
Old Hickory Nashville 90
Tennessee River COUNCE 90
B. M. H. CLEVELAND 89
Foothills LOUDON 89
Kennedy Va Employees Memphis 89
New South Credit Union Knoxville 89
U. T. Knoxville 89
Alcoa Tenn Alcoa 88
Greater Eastern Johnson City 88
Us Community Nashville 88
Gallatin Steam Plant GALLATIN 87
Kingsport Press Cu KINGSPORT 87
Memphis City Employees MEMPHIS 87
Middle Tennessee COOKEVILLE 87
Select Seven Johnson City 87
Tennessee Department of Safety Nashville 87
Chattanooga Federal Employees Chattanooga 86
Cleveland-bradley Cty Teacher CLEVELAND 86
Maryville Municipal MARYVILLE 86
Tennessee Employees Nashville 86
Your Best Credit Union Nashville 86
Alcoa Municipal Employees ALCOA 85
Credit Union for Robertson County Springfield 85
Northeast Community ELIZABETHTON 85
Resource Jackson 85
Consumer Greeneville 83
Happy Valley ELIZABETHTON 83
Hiwassee River CHARLESTON 83
M.p.d. Community Nashville 83
Pathway CLEVELAND 82
Shelby County Cordova 82
Bulab Employees Memphis 81
Horizon Kingsport 81
Knoxville Law Enforcement Knoxville 81
Outreach HERMITAGE 80
Vanderbilt Nashville 80
Bcbst Employees CHATTANOOGA 79
P.i.a.s. Brentwood 79
Veritas Smyrna 79
Hardin County Hospital Employees Savannah 78
Healthnet Cordova 78
Hurd Employees Greeneville 78
Southern Security Collierville 78
Ten NASHVILLE 78
Delta Refining Co Emp Memphis 77
Employee Resources LAWRENCEBURG 77
Enlighten JACKSON 77
First Choice Community Knoxville 77
Nashville Post Office NASHVILLE 77
Dixie Line NASHVILLE 76
F a a Memphis 76
Greeneville Works Empls. Sav. Assn. Greeneville 76
Knoxville Teachers KNOXVILLE 76
The West Tennessee Atoka 76
Tva Mid-south Memphis 76
Fedtrust MEMPHIS 75
Orion Memphis 75
Cn/ic Employees MEMPHIS 73
Collegedale Collegedale 73
Fair Break Memphis 73
Memorial Chattanooga 73
Kimberly Clark MEMPHIS 72
Tnconnect KNOXVILLE 72
Chattanooga Area Schools CHATTANOOGA 71
Chattanooga First CHATTANOOGA 71
I B E W 175 CHATTANOOGA 71
Kemba Delta Bartlett 71
Appliance CLEVELAND 70
Comtrust CHATTANOOGA 70
Enbright Nashville 70
Fedex Employees Credit Association Memphis 68
Skyline NASHVILLE 68
Family Advantage Spring Hill 67
Parthenon Nashville 67
St. Thomas Nashville 67
Trust Chattanooga 67
Koin Brentwood 66
Southeast Financial FRANKLIN 63
Memphis Municipal Employees Memphis 62
Tennessee Members 1st Oak Ridge 62
Gateway CLARKSVILLE 59
Methodist Healthcare Cordova 58
Patriot Equity JACKSON 57
Beacon Financial Johnson City 56
Basf Chattanooga CHATTANOOGA 55
Smart Choice CLEVELAND 54
Scenic Community Hixson 53
A.u.b. Employees' Athens 52
Epb Employees CHATTANOOGA 52
Kellogg Memphis Employees MEMPHIS 50
Southern Chattanooga 48
Olivet Baptist Cordova 40
Metropolitan Teachers NASHVILLE 39

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Tennessee

Tennessee is home to 127 federally-insured credit unions collectively serving 2.7M members with $47.3B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. United Southeast of Bristol currently leads the cohort with a health score of 100/100, while the full distribution spans 127 institutions ranked below.

The health distribution breaks into four bands: 70 credit unions score 80–100 (Excellent), 44 score 60–79 (Good), 12 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Tennessee's 127 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in Tennessee?

There are 127 federally-insured credit unions in Tennessee as of Q4 2025, with a combined 2.7M members and $47.3B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Tennessee?

Based on NCUA Q4 2025 data, United Southeast in Bristol ranks highest in Tennessee with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.